ResMacWholesale Lending

Loan programs

Every program, with the detail you actually need.

Four lines, all underwritten in-house. If a file sits between two of them, send it to the scenario desk before you collect a single document.

Jump toAgencyNon-AgencyNot sure which fits?

Agency

2 programs

Agency Conventional

Conventional loans underwritten to Fannie Mae and Freddie Mac guidelines, including high-balance in eligible counties. ResMac, Inc. is an approved Seller/Servicer for Freddie Mac.

Fannie MaeFreddie MacConformingHigh balance
  • Borrowers who meet agency credit and documentation standards
  • Primary residences, second homes and investment property
  • Purchase, rate-and-term and cash-out refinance

Program detail

Agency Government

Government-insured and government-guaranteed lending. ResMac, Inc. is an approved Seller/Servicer for FHA, the Department of Housing and Urban Development, VA and USDA.

FHAVAUSDA
  • First-time buyers using FHA
  • Eligible veterans and service members using VA entitlement
  • Buyers in USDA-eligible rural areas

Program detail

Non-Agency

2 programs

Non-Agency Non-QM

Non-qualified mortgage programs for borrowers whose income documentation or property profile falls outside agency guidelines — self-employed borrowers, investors qualifying on property cash flow, and business purpose lending.

Bank statementDSCRBusiness purposeAsset depletion
  • Self-employed borrowers documenting income by bank statement
  • Investors qualifying on property cash flow rather than personal income
  • Borrowers with recent credit events outside agency seasoning

Program detail

Non-Agency Jumbo

Jumbo lending above the conforming loan limit, underwritten to investor guidelines rather than agency guidelines.

JumboHigh net worthFull doc
  • Loan amounts above the county conforming ceiling
  • Borrowers with substantial reserves and documented income
  • Primary and second-home purchases in high-cost markets

Program detail

Between two programs?

Don’t guess. Send it to the desk.

Describe the borrower, the property and the problem. An underwriter tells you which program it belongs in and what it will need — before you collect documents.

Submit a scenario

Program guidelines are not published on this page

LTV ceilings, credit minimums, reserve and DSCR requirements change with the rate sheet and the investor. Rather than publish a matrix that may be out of date the moment you read it, current guidelines live on the daily rate sheets and in the forms library. For a specific file, the scenario desk will give you a written answer.